Representative example of a purpose mortgage loan for housing
Loan parameters
| Total loan amount | CZK 2,000,000 |
| Date of single drawdown of the loan (full amount) | 12 months after signing a contract |
| Loan term from the loan drawdown date | 25 years |
| Fixed lending interest rate | 2.09% p.a. with 5-year fixation |
| Annual percentage rate of charge (APRC) | 2.38% p.a. |
| Total amount paid by the client | CZK 2,641,257.46 |
| Monthly payment | CZK 8,760.99 |
| Number of monthly payments | 300 |
The loan must be secured by the property lien. The above example refers to a property lien for a property with a value of at least CZK 2,352,941. The obligation to insure the collateral (does not apply to the collateral – a parcel of land without a building): the insurance must be arranged before drawing down the mortgage and must be valid for the entire term of the loan.
Important notice
This is not a contract proposal. All the calculations and data, including the details about the interest rate or the monthly payment, are informative only. The aforementioned example was created for parameters corresponding to the parameters of an average loan currently provided by the banks. The final parameters can differ depending on your creditworthiness and the results of your credit assessment, and will be set out in the pre-contractual information and the loan agreement.
Representative example of an American mortgage
Loan parameters
| Total loan amount | CZK 1,100,000 |
| Date of single drawdown of the loan (full amount) | 12 months after signing a contract |
| American loan term from the loan drawdown date | 20 years |
| Lending interest rate | 4.69% p.a. with 5-year fixation |
| Annual percentage rate of charge (APRC) | 5.57% p.a. |
| Total amount paid by the client | CZK 1,793,741.57 |
| Monthly payment | CZK 7,418.46 |
| Number of monthly payments | 240 |
The loan must be secured by the property lien. The above example refers to a property lien for a property with a value of at least CZK 1,571,429. The obligation to insure the collateral (does not apply to the collateral – a parcel of land without a building): the insurance must be arranged before drawing down the American mortgage and must be valid for the entire term of the loan.
Important notice
This is not a contract proposal. All the calculations and data, including the details about the interest rate or the monthly payment, are informative only. The aforementioned example was created for parameters corresponding to the parameters of an average loan currently provided by the banks. The final parameters can differ depending on your creditworthiness and the results of your credit assessment, and will be set out in the pre-contractual information and the loan agreement.
Representative example of a purpose loan Hyposplátka
Loan parameters
| Total loan amount | CZK 1,000,000 |
| Building savings account balance | CZK 3,377 |
| Number of monthly payments | 354 |
| Annual percentage rate of charge (APRC) | 3.04% |
| Total amount paid by the client | CZK 1,578,756.46 |
| Bridging loan | Building savings loan | |
| Lending interest rate | 2.14% p.a. with fixed fixation period | 2.99% p.a. with fixed fixation period |
| Monthly payment | CZK 1,790 | CZK 5,500 |
| Number of monthly payments | 192 | 162 |
Important notice
This is not a contract proposal. All the calculations and data, including the details about the interest rate or the monthly payment, are informative only. The aforementioned example was created for parameters corresponding to the parameters of an average loan currently provided by the banks. The final parameters can differ depending on your creditworthiness and the results of your credit assessment, and will be set out in the pre-contractual information and the loan agreement.
